The government plans to inject R$ 100 billion with reforms in payroll loans.

The measure, led by Minister Luiz Marinho and supported by President Lula, aims to boost the circulation of credit in the private sector.

The Brazilian government, with the goal of stimulating the economy, proposes significant changes to the payroll loan system. The initiative, led by the Minister of Labor and Employment, Luiz Marinho, and supported by President Luiz Inácio Lula da Silva, seeks to expand the circulation of credit in the private sector.

With these changes, the forecast is an injection of up to R$ 100 billion into the economy. Strategic meetings at the Palácio do Planalto have been essential to discuss how these reforms can transform the credit market and facilitate access to financial resources for a larger number of Brazilians.

What Are the Details of the New Payroll Loan Proposal?

Currently, the granting of payroll loans depends on partnerships between employers and banks. The new approach aims to simplify this process by digitizing it through platforms such as e-Social and FGTS Digital. This change promises to ease access and make the process more agile and efficient for private sector workers.

What is the Role of Caixa Econômica Federal in This Process?

In this new structure, Caixa Econômica Federal plays a key role. As the operator of FGTS, Caixa is responsible for carrying out initial tests for implementing the new loan models. This pilot project aims to pave the way for other institutions to adopt similar practices, expanding the reach of payroll loans.

How Will Banks Be Secured?

To attract banks' participation, the government's proposal includes offering stronger guarantees by replacing the FGTS anniversary withdrawal. This alternative is well received, especially by sectors like construction, which would benefit from a more efficient and continuous credit flow.

Possible Effects on Payroll Loans

The proposal seeks to maintain the margin for salary and pension deductions at up to 30%, ensuring lower interest rates. With this measure, the government intends not only to make payroll loans more attractive but also to contribute to a sustainable and inclusive economic recovery.